Commercial Combined Insurance Quotes

Trying to find an insurance policy that covers your business and interests correctly can be a daunting task. We provide insurance from a wide range of industry specialists and tailor them to your specific requirements.

We can help you find a policy with the covers you require.

Our dedicated and qualified staff take the time to get to know you and your business to try and find the best cover from the most reputable insurers and in most cases can offer a site visit to take your information and in addition to this we can offer health and safety advice and risk management information.

We remain your sole contact throughout the term of your contract and we are actively involved in dealing with and resolving complaints before they lead to claims against you as well as always being on hand to assist with any mid term adjustments and changes you may need to make as and when they occur.

Town & Country are a national brokerage remaining local in our working practices. Our aim is to understand our clients insurance requirements taking into account the needs of the sector and we take the time to listen to you and deliver the right cover at the right price.

We are confident that you will be happy with the level of service as well as the cover and premiums that become available to you.

Insurance Quote Details

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For a free no obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers.

Commercial Combined Insurance Information

Commercial Combined insurance protects your business assets from a number of unforeseen losses including damage, theft, fire, natural disasters (such as floods and storms) and vandalism. This insurance provides cover for your buildings, machinery, business stock and equipment and all other contents within the building premises.

No matter what size your business maybe you need to protect your business from various risks and any other claims that might arise during the course of business. The purpose of commercial combined insurance is to integrate different types of insurance into one policy that covers all the important areas of your business.

Commercial Combined insurance generally includes buildings insurance, stock insurance, employers liability insurance, public liability insurance and business interruption insurance. Sometimes it can include professional indemnity insurance and products liability insurance as well. The exact cover will vary depending on the nature and size of your business and the risks you face.

It is always advisable to consult a professional prior to opting for commercial combined insurance. Different businesses require different elements of insurance cover, therefore, a professional will be able to make sure that the combined policy provides you with the maximum cover and does not limit other important areas of cover.

Some commercial combined insurance policies allow any adjustments to the amount of cover such as in the case of public liability insurance where you can raise the cover from £1million through £2million and on to £5million if needed. You can add in or withdraw sections of cover as required, the policy is more flexible and could be described as a bit of a 'pick'n'mix'.

This type of policy is more suited to large companies that require many different areas of cover. Prior to choosing a commercial combined insurance companies need to determine the element of risk their business is likely to face. This risk assessment may require a visit to the premises by an insurance professional, we at Town & Country are more than happy to visit the client and give our recommendations.

Among the biggest risks are liability to third parties and the costs and damages arising from claims made against a company. Employers liability insurance is mandatory according to law where a business employs, therefore an essential element of any commercial combined insurance package. This insurance protects employees from all potential risks or accidents that may occur at the workplace. Public liability insurance is also essential as it protects a company against any claims made by any visiting public while on its business premises or you are engaged in the course of your disclosed business activities.

Other areas of cover include Product Liability insurance which protects companies from any claims made due to any manufacturing defects in the company's products. Directors and Officers insurance (D&O) is also available in a commercial combined insurance policy where a company's directors can protect themselves against any liabilities arising during the course of the business. We also recommend that Legal Expenses cover is considered.

Property damage cover is important since fire and floods can cause extensive damage to commercial property. There are many other commercial risks such as loss of trade licence, goods in transit cover.

commercial vehicle insurance and more. Purchasing the right commercial combined insurance may be a daunting task, especially when the risks are not straightforward. Therefore, it is advisable to seek the services of an insurance professional so that you procure the appropriate policy at the right price. Property damage cover is important since fire and floods can cause extensive damage to commercial property. There are many other commercial risks such as loss of trade licence, goods in transit cover, commercial vehicle insurance and more. Purchasing the right commercial combined insurance may be a daunting task, especially when the risks are not straightforward. Therefore, it is advisable to seek the services of an insurance professional so that you procure the appropriate policy at the right price.

Town & Country works with many insurers, we have excellent working relationships with all our markets and can achieve rates and cover levels our colleagues in the industry find it difficult to replicate. We would welcome the opportunity to provide you with an insurance quotation when required, we are confident that you will be happy with the level of service as well as the cover and premiums that become available to you.

16 East Street - South Molton - Devon - EX36 3BU

Town & Country Insurance Services is the trading name of W H Adams & Co (Brokers) Ltd, company registration no: 291470

If you are unhappy with our service we have a complaints procedure, details of which are available on request . You may be able to refer a complaint to the Financial Ombudsman Service (FOS) if you are unhappy with how we deal with your complaint. The FOS website is www.financial-ombudsman.org.uk or by contacting the FCA on 0800 111 6768.